Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,232 a year including full coverage. Comprehensive insurance costs around $212 each year, collision costs $300, and liability coverage costs around $540. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing $2,654 or more. Teenage drivers receive the highest rates at $4,892 a year or more.

Average premium for full coverage: $1,232

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $740
• Using higher $1,000 deductibles will save about $116 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,232
• Using low deductibles for physical damage coverage will cost an additional $224 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,654 or more
• The cost that insures a teenage driver can be $4,892 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,760 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $340 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Dodge Ram 2500 Insurance

Saving money on auto insurance requires being a good driver, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the car insurance concepts presented in the illustrations above.

• Drivers who tend to receive serious violations may have to pay on average $1,420 more every year than a safer driver
• You may be able to save up to $140 per year simply by quoting online in advance
• Increasing deductibles can save approximately $350 each year
• Consumers who may need an increased level of liability coverage will pay an extra $590 per year to increase from a minimum limit to the 250/500 level